TPMN vs VYM
Timothy Plan Market Neutral ETF vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM has a lower expense ratio. VYM delivered stronger 1-year returns. VYM offers more diversification with 558 holdings.
Side-by-Side Comparison
| Metric | TPMN | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.04% | |
| AUM | $31M | $79.0B | |
| Dividend Yield | 4.08% | 2.86% | |
| Holdings | 298 | 568 | |
| YTD Return | +2.40% | +16.53% | |
| 1Y Return | +4.75% | +25.03% | |
| 3Y Return (annualized) | - | +18.54% | |
| 5Y Return (annualized) | - | +12.25% | |
| Volatility (annualized) | 4.5% | 14.6% | |
| Max Drawdown | -5.1% | -58.8% | |
| Fund Family | Timothy Plan | Vanguard (US) | |
| Category | Allocation/Balanced | Equity | |
| Inception | Jan 24, 2023 | Nov 10, 2006 |
TPMN vs VYM Performance
Timothy Plan Market Neutral ETF (TPMN) is a ETF from Timothy Plan and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year TPMN returned +4.75% while VYM returned +25.03%. Year to date, TPMN is up 2.40% versus a gain of 16.53% for VYM.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 14.6% compared with 4.5% for TPMN. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -5.1% for TPMN and -58.8% for VYM. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at -0.24. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
TPMN charges 0.65% per year while VYM charges 0.04%. On a $10,000 position that is $65 vs $4 annually, a gap of $61 per year that compounds over a long holding period. On income, TPMN currently yields 4.08% against 2.86% for VYM.
Frequently Asked Questions
Which is cheaper, TPMN or VYM?
TPMN has an expense ratio of 0.65% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $61 per year of difference.
Which performed better, TPMN or VYM?
Over the past year TPMN returned +4.75% vs +25.03% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (3 years), TPMN annualized +4.14% vs +7.10% for VYM. Past performance does not guarantee future results.
Which is riskier, TPMN or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 4.5% for TPMN. Worst drawdown: TPMN -5.1% vs VYM -58.8%.
Should I hold both TPMN and VYM?
TPMN and VYM have a monthly-return correlation of -0.24, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, TPMN or VYM?
TPMN yields 4.08% while VYM yields 2.86%, so TPMN currently pays the higher dividend yield.
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